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Retail banking and consumer finance: UK FCA portfolio letters highlight 2025 supervisory priorities

The Financial Conduct Authority (FCA) is turning its thoughts to the year ahead in publishing a series of portfolio letters focusing on its 2025 supervisory priorities for retail banks, building societies, non-bank mortgage...more

APP fraud mandatory reimbursement: UK PSR consults on ‘key’ compliance and monitoring requirements

On 17 April 2024, the Payment Systems Regulator (PSR) published a consultation on the data and information that payment service providers (PSPs) will be required to provide to Pay.UK to enable it to monitor effectively...more

UK Consumer Duty: FCA gives more implementation feedback and some focus areas for closed books work

On 20 February 2024, the FCA published details of recent good practice in Consumer Duty implementation and highlighted areas for improvement. As well as this, the FCA also published the results of a second survey of firms on...more

UK “de-banking”: Government publishes draft legislation on changes to termination rules for PSPs

In July 2023, the UK government committed to changing the requirements on payment service providers (PSPs) when terminating payment service contracts. HM Treasury has now published draft regulations amending the Payment...more

APP fraud: UK government publishes draft legislation allowing PSPs to delay payments for fraud concerns

In its 2023 Fraud Strategy, the UK government committed to looking at changes to allow payment service providers (PSPs) more time to investigate suspicious payments to help tackle authorised push payment (APP) fraud. HM...more

UK Government’s legislative proposal indicates the approach to buy-now-pay-later regulation

The UK Government’s proposed amendments to the Financial Services Bill are the first step towards the regulation of buy-now-pay-later products. The amendments do not yet bring about regulation but will enable HM Treasury to...more

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